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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $41,082 | $53,546-23.3% | $69,890-41.2% | $68,490-40.0% |
| Participation rate | 86.4% | 64.5%+21.8pp | 70.5%+15.9pp | 67.9%+18.5pp |
| Annual return | -13.97% | -13.87%-0.1pp | 190.84%-204.8pp | -7.85%-6.1pp |
| Employer contribution / active EE | $2,400 | $2,019+18.9% | $2,560-6.2% | $2,597-7.6% |
| Participant deferral / active EE | $5,928 | $2,957+100.5% | $3,848+54.0% | $4,028+47.2% |
| Admin fee / account holder | $6,963 | $4,693+48.4% | $6,267+11.1% | $5,403+28.9% |